Chloride-induced corrosion of highway bridges constitutes a critical form of environmental deterioration and may result in significant escalation of seismic life-cycle costs due to increased fragility during earthquake events. Most of existing literature tends to adopt simplistic uniform area loss assumptions in lieu of potentially complex, yet realistic and more detrimental, pitting corrosion models for seismic vulnerability analysis. Since the degree of deterioration depends on the severity and duration of exposure, there exists a need to investigate the influence of uniform vs. pitting corrosion assumption on seismic life-cycle costs for varied chloride exposure conditions. A case-study example of a highway bridge in Central and Southeastern US reveals consideration of pitting corrosion as critical for extreme exposures compared to relatively minor settings. Subsequently this study provides recommendations to aid bridge engineers and stakeholders to balance between computational cost and accuracy of results to aid prompt decisions on rehabilitation of ageing bridges in different exposure conditions. A framework is also included to compute seismic life-cycle costs from generic measures of corrosion, independent of assumed exposure scenario. This framework is particularly helpful for seismic loss assessment of highway bridges in chloride exposure zones with periodic field measurements to estimate the extent of structural deterioration.